| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GPA3 | 12770 MERRIT DRIVE DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $859 | $5K | 10.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $230 | $1K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $703 | $6K | 15.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $152 | $1K | 3.50% |
| GPA3 | 12770 MERRIT DRIVE DALLAS, TX 75251 | WESPORT INSURANCE CORPORATION | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $446 | $3K | 13.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $676 | $105 | $781 | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $931 | — | $931 | 5.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $351 | — | $351 | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | GUARDIAN | — | $449 | $449 | 5.10% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | — | $54 | $54 | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | UNUM INSURANCE COMPANY | $1K | $124 | $1K | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | UNUM INSURANCE COMPANY | $466 | $67 | $533 | 13.15% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 130 | $9K |
| Vision | VISION SERVICE PLAN | 112 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $24K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $47K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $71K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $145K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.